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ICICI Bank ₹10 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 9.99%, the EMI is about ₹21,242 a month, with total interest of about ₹2,74,527.
Source: ICICI Bank official page, checked on November 2026 (2026-11-01).
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 9.99% (starting) | ₹21,242 | ₹2,74,527 | ₹12,74,527 |
| 10.49% | ₹21,489 | ₹2,89,337 | ₹12,89,337 |
| 10.99% | ₹21,737 | ₹3,04,246 | ₹13,04,246 |
| 11.49% | ₹21,988 | ₹3,19,255 | ₹13,19,255 |
| 11.99% | ₹22,239 | ₹3,34,364 | ₹13,34,364 |
Year-by-year repayment schedule at 9.99%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹1,62,303 | ₹92,602 | ₹2,54,905 | ₹8,37,697 |
| Year 2 | ₹1,79,281 | ₹75,624 | ₹2,54,905 | ₹6,58,415 |
| Year 3 | ₹1,98,034 | ₹56,871 | ₹2,54,905 | ₹4,60,381 |
| Year 4 | ₹2,18,750 | ₹36,156 | ₹2,54,905 | ₹2,41,632 |
| Year 5 | ₹2,41,632 | ₹13,274 | ₹2,54,905 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh ICICI Bank personal loan for 5 years?
At ICICI Bank's starting rate of 9.99% the EMI is about ₹21,242 a month. If your offered rate is 10.99% it would be about ₹21,737.
How much total interest will I pay?
At 9.99% the total interest over 5 years is about ₹2,74,527, so you repay about ₹12,74,527 in all.